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Forum Rules and Policies

If you agree with the following rules then click on the 'Accept' button at the bottom of the page if not click on the 'Cancel' button.

When you register you are required to give a small amount of information, much of which is optional, anything you do give must be considered as becoming public information.

You agree not to use this forum to post any material which is vulgar, defamatory, inaccurate, harassing, hateful, threatening, invading of others privacy, sexually oriented, or violates any laws. You also agree that you will not post any copyrighted material that is not owned by yourself or the owners of these forums.

You remain solely responsible for the content of your messages, and you agree to indemnify and hold harmless this forum and their agents with respect to any claim based upon any post you may make. We also reserve the right to reveal whatever information we know about you in the event of a complaint or legal action arising from any message posted by yourself.

Although messages posted are not the responsibility of this forum and we are not responsible for the content or accuracy of any of these messages, we reserve the right to delete any message for any or no reason whatsoever. If you do find any posts are objectionable then please contact the forum by e-mail.


You will not register more than one profile. To register you must not have not previously registered at under another profile name otherwise you are trespassing on this site.

  • You will not post derogatory remarks or hate messages about any person or organization.
  • You will not post any message that could be percieved as a threat to any person or organization.
  • You will not solicit business of any kind on this forum unless permission is granted by the site owner.
  • You are not an employee of a collection agency.

    Policy of this site: Student loans are meant to be paid back but not at exhorbitant interest rates, and should not be a 'for profit' business. Help should be available for those who have an unmanagable debt burden and a higher level of service should be provided by administrators. Bankruptcy is not the answer to student debt-it is a symptom of a much bigger problem. If you are seeking ways to avoid paying back your loan, please do not post on this site. If you have good intentions of paying your loan and are experiencing hardship and need help, you are most welcome to post here.

    By registering to use this forum you meet the above criteria and agree to abide by all of the above rules and policies.

Note: Collection Agencies regularly monitor this site. For this reason it is best to not use your name as your userid

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